We are refinancing a mortgage.

Hello, I am new to Real Estate investing world, and have been educating myself since summer of last year, and been to only one local REI meeting and currently enrolled in a very good online course mostly on how to wholesale properties, but still have not pulled the trigger yet.

But why pay down payment if I am refinancing?

Well if they have some money to invest I offer DFY Ecommerce business, online stores at national retailers Like this one. 

If you can find a deal that cash flows decently now, I do think we'll start to see 3%+ per year organic rent growth again sometime in the next 2-4 years, since new construction starts have been very low the past 2 years so new supply coming online is going to drop a lot in the coming years. 

In the last few years I took out a HELOC on my primary residence, used the funds for the down payment on two investment properties, then refinanced the HELOC into a 30 year loan (7/1 ARM) as a second mortgage against my primary res.

I'm happy to pay someone's consult fee if they can help me towards refinancing to a better rate that helps me cash flow on both properties.

Go to Etsy and search for "rental property tracker," and you will find hundreds of nice spreadsheets to track 10-20 rentals, usually for under $10.Software has extremely helpful features like online payments, marketing syndication (click a button, and your property is advertised on multiple sites), electronic document review/signing, maintenance tracking, and owner reports.

I co-host a women’s online investing group for REIA and enjoy talking to people starting out. 

During the pandemic, I refinanced some of my rentals into 3% 30 year terms.